Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Gas Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Review: TJ Maxx Credit Card

tjmaxx_logoThe TJ Maxx credit card is officially known as the TJX Rewards Credit Card because it can be used at TJ Maxx as well as at Marshalls, HomeGoods, and Sierra Trading Post stores (all part of the TJX Companies, Inc., hence the card name). The card offers a decent rewards program for customers, but first a warning:
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Sam’s Club Credit Card Payment, Login, and Customer Service Information

sams-club-mastercardSam’s Club consumer and business credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and you will interact with Synchrony Bank in order to pay your bill online or by mail, or to get customer service help. You can access all of those options below:

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Does H&M offer a credit card?

H&M-gift-cardsWomen’s clothing retailer H&M does not offer a standard store credit card.

If you have heard about an H&M credit card, it is most likely an H&M merchandise credit card, which really isn’t a credit card at all, but more like a gift card.
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Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
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Ford Service Credit Card

ford-credit-cardFord dealerships are now offering a Ford Service credit card that customers can use to pay for repairs as well as parts and accessories, tires, extended service plans and more.

The card, offered in partnership with Citibank, is offered only through participating Ford dealerships, so if you want to apply, you’ll need to visit a dealership for an application.
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Dick’s Sporting Goods Credit Card Payment, Login, and Customer Service Information

dicks_logoThe Dick’s Sporting Goods credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank) and you will make payments to Synchrony Bank and interact with Synchrony if you have questions or problems with your Dick’s credit card. Key info on paying your Dick’s bill or reaching customer service is below:

  • If you want to pay your Dick’s Sporting Goods credit card bill online, you can log in and pay here.

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Review: Upromise Credit Card

upromise-credit-cardUpromise is a program from student loan company Sallie Mae that allows you to earn cash back at thousands of retailers and restaurants. While the cash you earn can be used toward college expenses, you can also simply take the earnings in cash and spend them any way you want. Upromise also offers a credit card that lets you piggyback on its cash back program, so you can expand the cash back you make on eligible purchases. Our review of the card is below:

The Upromise MasterCard is accepted anywhere MasterCard is accepted (which is just about everywhere). Here at Credit Card Catalog we prefer credit cards of this type that offer wide acceptance over store-specific credit cards, so we give the Upromise card a thumbs-up on that factor.
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Are You Better Off Filling Out An Online Credit Card Application or Waiting For Credit Card Applications In The Mail?

credit-cards-smallAt a previous job reporting on credit cards, I was chided by a rep from one card company for discussing the specifics of certain credit card offers, such as interest rate, rewards program terms, introductory rates, etc. His logic was this: the credit card offers that you see on the Internet are not necessarily the same as the credit card offers that come to your mailbox, so it was impossible to specify the terms for any particular card.

For example, you might go to one of the big banks’ Web sites and decide to apply for a rewards credit card only to get an offer in the mail days later that actually offers a better rewards formula. Or you might see an offer for a 0% rate on purchases for 6 months online, only to get a mail offer of 0% on card purchases for 12 months. Conversely, you might get rejected for a card offer online, only to get mail days later from the same company offering you the same card with slightly worse terms than the card you saw online.
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Review: Bank of America Credit Cards

bank_of_americaBelow is a rundown of credit cards currently available from Bank of America, with short reviews of each:

  • BankAmericard – Bank of America’s flagship credit card offers lower interest rates than its other cards (10.99% to 20.99% depending on your credit history), plus 0% interest rate teasers for 15 billing cycles on both purchases and balance transfers. (There is a 3% fee on balance transfers, however.) This card offers no rewards.
  • BankAmericard Cash Rewards Credit Card – Bank of America cash back credit card offers 3% rebates on gas, 2% back on groceries, and 1% everywhere else. Gas and Groceries are considered “bonus” categories, and if you hit $1500 in spending in those categories (combined) in a calender quarter, further purchases will earn you the 1% cash back rate. No annual fee. Last we looked, this card was also offering a 0% rate on card purchases or balance transfers (3% fee on balance transfers, though) for the first 12 months you have the card.

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Sheetz Credit Card Payment, Login, and Customer Service Information

sheetz-credit-cardThe Sheetz credit card is issued in partnership with First Bankcard/First National Bank of Omaha, and it is First Bankcard that you will deal with when it comes to making your card payment online or by mail, or if you need customer service help. Information on completing any or all of these tasks is below:

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Fry’s Credit Card Payment, Login, and Customer Service Information

frys-credit-cardThe Fry’s store credit card is issued in partnership with First Electronic Bank, and it is First Electronic Bank you will deal with to pay your Fry’s card bill online or by mail, or to get customer service assistance. All of the information you need to complete any of these tasks is below:

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0% Balance Transfer Credit Cards

zero-percent2If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
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Bed Bath & Beyond Credit Card

bedbathIf you are a frequent shopper at Bed Bath & Beyond, you may have heard that there is a Bed Bath & MasterCard offered by US Bank.

In fact, here’s a whole page about it, including the fact that you can get 5 points per dollar for your purchases at Bed Bath & Beyond, buybuy Baby, and other sister stores, while getting 1 point per dollar on purchases elsewhere. Every 1000 points earned gets you a $10 Bed Bath & Beyond Reward Card.
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Review: Kohl’s Credit Card

kohls_logoThe Kohl’s credit card is a credit card that can be used only for purchases at a Kohl’s department store or online at kohls.com. In almost every review of a department store credit card such as this, we would tell you that the card is only worth having if you pay off your full credit card balance each month. The reason is the exorbitant interest rates that store credit cards usually have — in the case of Kohl’s, that rate is 23.99%.
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